The reasoning was that while some bad lending practices may have crept back into the system, by and large most loans are now backed by solid fundamentals and most single family home owners have significant equity.

However, if there is a fundamental change in your home's market that lowers its value, it is most likely more profitable to get the equity out of your house and put it else where. 

Right now I'm just getting the fundamentals down and working on my mindset (The Miracle Morning is a game changer).

Especially factoring in my return on time, I'm more motivated right now to sit on the sidelines, to be honest.I'm wondering if a fundamental difference in your options are getting into the volume you're doing as a broker (vs what we're doing). 

@Brandon MotukMy stance is to stay actIvely buyIng but always stick to fundamentals and only buy properties that meet a strict set of criteria.

We can talk specifics if you want but there is household growth, job growth, population growth going on in the area which allows for great investing fundamentals.

Also, practically nobody in the world has mastered the fundamentals because every time we think we have it nailed down a new situation/crisis happens which shapes our thinking in a new way.

Standard dimmers are also not equipped to exploit the full brightness range, resulting in a disappointing experience.The fundamental issue is there isn't a consistent solution.One can replace all fixtures with damnable LEDs, that may take care of 40% of the lights with dimmers. 

People are not able to get lending.3 sentiment fuelling itself4 gov limiting forgien investment.( Particular China.That's has caused a current drop in prices 7 - 10%The thing is amazing as it's very controlled to watch.Our inflation is lower than target rate of 3% now hovering at 2.5%.Our cash rate is historically low at 1.5% .The RBA trying to stimulate growth.Unemployment rate at 5ish %.Population growth is ridiculous.We are going through a slowdown in the housing market at the moment.The economic fundamentals interesting to watch.Plus the audience dollar is good hedge to the global situation.Culture of Australia is that everyone what's to own there own home. 

This is not a "trick", it is a fundamental difference between a mortgage,  or warranty deed, and a land contract.